Which insurance do you need?
Health insurance
Required by law for everyone who lives or works here. Take it within 4 months.
Read moreStrongly advisedLiability insurance
Covers damage you accidentally cause to others. Small cost, big protection.
Read moreAdvisedHome & contents
Contents insurance for tenants; building insurance for owners.
Read moreRequired with a carCar insurance
Third-party (WA) insurance is required for every registered car.
Read moreDependsTravel insurance
Trips, luggage and extra medical costs abroad.
Read moreDependsLegal, life & funeral
Legal expenses, term life with a mortgage, and funeral insurance.
Read moreYour first 90 days
Register
Register at your municipality. You receive your BSN – insurers need it.
Health insurance
Take Dutch basic health insurance within 4 months of starting work or living here.
Healthcare allowance
Low or average income? Apply for zorgtoeslag at the Tax Administration.
Liability & contents
Arrange both as soon as you have a home – often in one package.
Made for newcomers
Knowledge migrants
Your employer may offer a collective discount. We explain what is worth it.
Health insurance →How 123 Insurance helps
Clear information
Every Dutch insurance explained in plain English – free.
Your language
Questions? We speak eleven languages, from Persian and Arabic to Turkish and Russian.
Licensed partners
For personal advice or a policy, we refer you to an insurer or adviser with an AFM licence.
No pressure
You decide. Comparing, choosing and signing is always your own choice.
123 Insurance gives general information and refers you to licensed insurers and advisers. We are not an insurer, we do not sell policies and we do not give personal insurance advice. Amounts are for 2026 unless stated otherwise – always check the official source and your policy conditions.